-0.53%
9.19%
15.04%
8.05%
20.71%
13.96%
81.36%
AI Spotlight on BPOP
Company Description
Popular, Inc., through its subsidiaries, provides various retail, mortgage, and commercial banking products and services in Puerto Rico, the United States, and British Virgin Islands.The company provides savings, NOW, money market, and other interest-bearing demand accounts; non-interest bearing demand deposits; and certificates of deposit.It also offers commercial and industrial, commercial multi-family, commercial real estate, and residential mortgage loans; consumer loans, including personal loans, credit cards, automobile loans, home equity lines of credit, and other loans to individual borrowers; construction loans; and lease financing comprising automobile loans/leases.
In addition, the company provides investment banking, auto and equipment leasing and financing, broker-dealer, and insurance services; debit cards; and online banking services.As of December 31, 2021, it operated 169 branches; and 616 ATMs in Puerto Rico, 23 ATMs in the Virgin Islands, and 91 ATMs in the United States Mainland.Popular, Inc.
was founded in 1893 and is headquartered in Hato Rey, Puerto Rico.
Market Data
| Last Price | 102.94 |
| Change Percentage | -0.53% |
| Open | 103 |
| Previous Close | 103.49 |
| Market Cap ( Millions) | 7340 |
| Volume | 358144 |
| Year High | 106.46 |
| Year Low | 80.6 |
| M A 50 | 97.39 |
| M A 200 | 94.45 |
Financial Ratios
| FCF Yield | 6.31% |
| Dividend Yield | 2.49% |
| ROE | 9.88% |
| Debt / Equity | 18.14% |
| Net Debt / EBIDTA | -820.19% |
| Price To Book | 1.28 |
| Price Earnings Ratio | 13.92 |
| Price To FCF | 15.84 |
| Price To sales | 1.88 |
| EV / EBITDA | 1.99 |
News
- Jan -31 - KB Home Announces the Grand Opening of Its Newest Community in Popular Hollister, California
- Jan -31 - Can This Popular Vanguard Tech ETF Trounce the S&P 500 Again in 2025?
- Jan -29 - Popular Q4 Earnings & Revenues Beat on Higher NII, Provisions Fall Y/Y
- Jan -29 - Popular, Inc. (BPOP) Q4 2024 Earnings Conference Call Transcript
- Jan -28 - Ozempic Approved By FDA For Kidney Disease—In Ultra-Popular Drug's Latest Approval
- Jan -28 - Popular (BPOP) Q4 Earnings and Revenues Surpass Estimates
- Jan -28 - Popular, Inc. Announces Fourth Quarter 2024 Financial Results
- Jan -24 - 2 Popular Quantum Computing Stocks Could Drop 52% and 77%, According to Wall Street
- Jan -21 - JetBlue Says 'Just Venmo Us!' as It Becomes First Airline to Accept Popular Payment Platform for Online Bookings
- Jan -18 - 1 Popular Cryptocurrency With 13,031% Upside, According to MicroStrategy's Michael Saylor
- Jan -17 - KB Home Announces the Grand Opening of Its Newest Community in Popular Lake Stevens, Washington
- Jan -16 - KB Home Announces the Grand Opening of Its Newest Community in Popular Raleigh, North Carolina
- Jan -11 - 2 Popular AI Stocks to Sell Before They Drop 24% and 66% in 2025, According to Certain Wall Street Analysts
- Jan -10 - One Popular Dividend Stock To Sell And One Strong Buy
- Jan -08 - 2 Popular AI Stocks to Sell Before They Fall 55% and 68% in 2025, According to Certain Wall Street Analysts
- Dec -31 - Popular, Inc. to Report Fourth Quarter Results and Hold Conference Call on Tuesday, January 28, 2025
- Dec -21 - 2 Popular AI Stocks to Sell Before They Fall 49% and 62% in 2025, According to Certain Wall Street Analysts
- Dec -18 - DEWALT POWERSHIFT™ System Named One of the 50 Greatest Inventions in 2024 by Popular Science Best of What's New Awards
- Dec -18 - Why Home Depot Stock Is a Popular Holding Among These Top Dividend ETFs
- Dec -17 - 5 Most Popular ETFs of Last Week
Business Breakdown
Expected Mid-Term Growth
Segment n°1 -> Banco Popular De Puerto Rico
Expected Growth : 10 %
What the company do ?
Banco Popular de Puerto Rico, a subsidiary of Popular, Inc., is the largest bank in Puerto Rico, offering a range of financial services to individuals and businesses.
Why we expect these perspectives ?
Banco Popular de Puerto Rico's 10% growth is driven by a strong brand presence, diversified revenue streams, and a solid balance sheet. The bank's focus on digital transformation, expansion into new markets, and strategic partnerships also contribute to its growth. Additionally, a favorable economic environment in Puerto Rico, characterized by low unemployment and increasing tourism, supports the bank's growth momentum.
Segment n°2 -> Popular United States
Expected Growth : 8 %
What the company do ?
Popular United States, a subsidiary of Popular, Inc., offers a range of financial services, including consumer and commercial banking, and mortgage banking.
Why we expect these perspectives ?
Popular United States' 8% growth is driven by increasing demand for consumer loans, expansion of digital banking channels, and strategic acquisitions. Additionally, a strong brand presence, efficient cost management, and a favorable interest rate environment contribute to the company's growth momentum.
Segment n°3 -> Corporate
Expected Growth : 6 %
What the company do ?
Popular, Inc. is a Puerto Rican financial institution, also known as Banco Popular, offering a range of financial services and products.
Why we expect these perspectives ?
Popular, Inc.'s 6% corporate growth is driven by strategic expansion into digital banking, increasing demand for mortgage loans, and a strong presence in the Puerto Rican market. Additionally, the company's focus on cost reduction initiatives, investments in technology, and a solid capital position contribute to its growth momentum.
Segment n°4 -> Eliminations
Expected Growth : 4 %
What the company do ?
Eliminations from Popular, Inc. refer to the removal of non-performing or underperforming assets, businesses, or operations to improve overall financial performance and efficiency.
Why we expect these perspectives ?
Popular, Inc.'s 4% growth is driven by strategic acquisitions, expansion into new markets, and increased lending activities. Additionally, the company's focus on digital transformation, cost savings initiatives, and a favorable interest rate environment have contributed to its growth momentum.
Popular, Inc. Products
| Product Range | What is it ? |
|---|---|
| Banco Popular | A full-service bank offering personal and commercial banking services, including checking and savings accounts, credit cards, loans, and investment products. |
| Popular Securities | A brokerage firm offering investment products and services, including stocks, bonds, mutual funds, and retirement accounts. |
| Popular Insurance | An insurance company offering a range of insurance products, including auto, home, life, and health insurance. |
| E-Loan | An online lending platform offering personal loans, mortgages, and credit cards. |
| Popular Mortgage | A mortgage lender offering a range of mortgage products, including fixed-rate and adjustable-rate mortgages. |
Popular, Inc.'s Porter Forces
Threat Of Substitutes
The threat of substitutes for Popular, Inc. is medium due to the presence of alternative banking services and financial institutions.
Bargaining Power Of Customers
The bargaining power of customers is high due to the availability of multiple banking options and the ease of switching between financial institutions.
Bargaining Power Of Suppliers
The bargaining power of suppliers is low due to the company's large scale of operations and its ability to negotiate favorable terms with suppliers.
Threat Of New Entrants
The threat of new entrants is medium due to the regulatory barriers and capital requirements that make it difficult for new banks to enter the market.
Intensity Of Rivalry
The intensity of rivalry is high due to the presence of multiple established banks and financial institutions competing for market share.
Capital Structure
| Value | |
|---|---|
| Debt Weight | 17.79% |
| Debt Cost | 6.46% |
| Equity Weight | 82.21% |
| Equity Cost | 8.12% |
| WACC | 7.82% |
| Leverage | 21.63% |
Popular, Inc. : Quality Control
Popular, Inc. passed 4 out of 9 key points:
Historical Valuation
Price/Earnings Ratio
Margin Valuation
Peers Valuation
Competitors
| Company | Rational |
|---|---|
| CATY | Cathay General Bancorp operates as the holding company for Cathay Bank that offers various commercial banking products and services to individuals, professionals, and small to medium-sized businesses in the United … |
| CFG | Citizens Financial Group, Inc. operates as the bank holding company for Citizens Bank, National Association that provides retail and commercial banking products and services to individuals, small businesses, middle-market companies, … |
| FBP | First BanCorp. operates as a bank holding company for FirstBank Puerto Rico that provides various financial services for retail, commercial, and institutional clients. The company operates through six segments: Commercial … |
| FULT | Fulton Financial Corporation operates as a financial holding company that provides consumer and commercial banking products and services. It accepts various checking accounts and savings deposit products, certificates of deposit, … |
| SNV | Synovus Financial Corp. operates as the bank holding company for Synovus Bank that provides commercial and retail banking products and services. It operates through three segments: Community Banking, Wholesale Banking, … |
Peers Metrics
DCF BETA
Expected Cash-Flows
Scoring Insights
Peers Group Analysis
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Cathay Bank
A-Score
1-Year Total Return ->
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Fulton Financial
A-Score
1-Year Total Return ->
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Synovus
A-Score
1-Year Total Return ->
4
First Bank
A-Score
1-Year Total Return ->
5
Citizens Financial Group
A-Score
1-Year Total Return ->
6
